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Just so you guys all know. You can do on your own what they are doing. All you have to do is contact the Credit agencies and say that the shit isn't yours. They will investigate. And if the company who has the neg against you doesn't respond within 30 days the item is deleted. It can take a bit and some comapnies sell debt and it can get lost in the shuffle. Plus if you move you can make out because the address will not match or some shit like that. But all it takes is diligence and you can do it yourself and save the mula!
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